Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Spark 1.5X Miles Select vs Wells Fargo Autograph Journey Visa Credit Card

The Spark 1.5X Miles Select ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

Spark 1.5X Miles Select

Capital One

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

50,000 miles

60,000 Flex point

Earn Rates

Category	Spark 1.5X Miles Select	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1.5X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Everyday purchases

The Bottom Line

The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Choose the Spark 1.5X Miles Select if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?: The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Spark 1.5X Miles Select or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Spark 1.5X Miles Select if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Spark 1.5X Miles Select vs Wells Fargo Autograph Journey Visa Credit Card

No image

Spark 1.5X Miles Select

Capital One

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

50,000 miles

60,000 Flex point

Earn Rates

Category	Spark 1.5X Miles Select	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1.5X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Everyday purchases

The Bottom Line

The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?: The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Spark 1.5X Miles Select or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Spark 1.5X Miles Select if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Spark 1.5X Miles Select vs Wells Fargo Autograph Journey Visa Credit Card

No image

Spark 1.5X Miles Select

Capital One

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

50,000 miles

60,000 Flex point

Earn Rates

Category	Spark 1.5X Miles Select	Wells Fargo Autograph Journey Visa Credit Card
Hotels	1.5X	5X

Category-by-Category Winner

The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.

Hotels

Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X

Airlines

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Flights

Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X

Other Travel

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Gas Stations

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Transit

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Streaming

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Dining

Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X

Everyday purchases

The Bottom Line

The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Frequently Asked Questions

Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?: The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the Spark 1.5X Miles Select. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Spark 1.5X Miles Select or Wells Fargo Autograph Journey Visa Credit Card?: The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Spark 1.5X Miles Select or the Wells Fargo Autograph Journey Visa Credit Card?: Choose the Spark 1.5X Miles Select if you want lower fees and solid rewards. Pick the Wells Fargo Autograph Journey Visa Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Wells Fargo Autograph Journey Visa Credit Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the Spark 1.5X Miles Select (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Spark 1.5X Miles Select if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the Wells Fargo Autograph Journey Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Spark 1.5X Miles Select if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the Wells Fargo Autograph Journey Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

—

+5x on hotels booked direct and 4x on airlines - among highest travel earn rates
+1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
+$50 annual airline credit covers most of the $95 fee
+Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
+Cell phone protection up to $1,000 with $25 deductible

Cons

—

−$95 annual fee (though offset by airline credit)
−Fewer transfer partners than Chase or Amex
−Must book hotels directly to earn 5x (not through OTAs)
−No lounge access
−Welcome offer requires $4,000 spend in 3 months

Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Spark 1.5X Miles Select if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the Wells Fargo Autograph Journey Visa Credit Card if you:

+Spend $300+/month on restaurants and dining out